Combined event driver and financial card

ABSTRACT

Combined use transaction cards are disclosed including preferably the functionality of being usable for conducting a financial transaction along with the additional functionality for activation or access to at least one other event. Many types of non-financial events are contemplated such as for access or entry, employee need, student need, and the like. Such cards preferably utilize electronically readable means as may be provided to such cards, such as including magnetic stripes, RFID transponders, OCR text, and one dimensional or two dimensional bar codes.

CROSS-REFERENCE TO RELATED APPLICATION

This application is a divisional of U.S. application Ser. No.13/849,011, filed on Mar. 22, 2013, which claims priority to U.S.Provisional Application No. 61/614,278, filed Mar. 22, 2012, the entirecontents of which are incorporated herein by reference in theirentireties.

TECHNICAL FIELD

The present invention relates to transactional type cards that include adata storage aspect on or within the card construction, and inparticular to such transactional card wherein plural diverse card typesare facilitated by one card.

BACKGROUND

The large number of financial, ID, loyalty, membership, security andother cards that are carried by individuals is growing based upon theintroduction of cards for loyalty programs, memberships, and the like inaddition to financial transactional cards or credit cards, whichfinancial cards now also include gift cards, and prepaid cards. Some, orin individual cases, most of these cards carry a risk of identity theftand potential financial risk. For certain cards, such as an entry cardthat controls opening a security door or the like, the risk is higher inthat a person improperly utilizing such card can be responsible forpersonal attacks and theft of goods or other property. Certainly a wayof minimizing the volume of cards carried by an individual so as tolimit the risk of identity or property loss and personal injury is toreduce the number of cards carried by an individual in order to minimizethe amount of personal information that can be exposed if any such cardis lost or stolen and also to disguise the true nature of the card wherepersonal security is involved.

As such, it is a goal of the present invention to reduce the potentialfor fraud and theft based upon improper usage of any of these types ofcard. The primary problem is that individuals carry too many cards andthe potential for improper use is increased not only by the shear numberof cards, but also by the increase inability to keep track of all suchcards. With so many cards being typically carried by an individual, aperson could easily misplace one card and not realize it for quite sometime.

SUMMARY

In one aspect of the present invention, transactional cards and methodsof making and use are contemplated with the goal of reducing the numberof cards carried so as minimize risk of identity theft, property lossand/or the threat of personal injury. Cards and methods of the presentinvention can also add value to certain types of cards so as to increasea user's standard of care to such cards (i.e. the care a user may giveto a credit card versus a lunch type loyalty card). Moreover, with cardsand methods of the present invention, it is a goal to add security witha reduction of risk of important information exposure upon the loss ortheft of such a card.

According to an aspect of the present invention, a combined financialcard and secondary use (or more) card is contemplated. For example,combined use card could comprise a financial card and electronic keysecurity door card. With two different card type use methods combinedinto one card there are many advantages. For one, there simply is lessto carry and a higher potential for the card holder to protect the card.

A combined card has a greater utility for the card holder than a singleuse card. Many add on services such as paying for school lunch, gettingaccess to costly resources, protecting property, locating individualsinside a complex, and the like are often difficult to develop, implementand manage. A combined card makes developing, implementing and managingthese services much less complex.

In another aspect of the present invention, a card identification meanscan be controlled for protecting an individual's identity where littleor no personal information is stored on a card such as a hotel room keycard but can also range to provide more identity information as may berequired up to a full identification card where all of the card holder'sdemographic data is on the card.

Cards and methods of the present invention can vary, but preferably suchcards include a financial card aspect. The type of financial card canalso vary such as it can be provided as a gift card, a prepaid card, adebit card, and/or as a credit card to suit the requirements of aparticular application.

Typical financial cards include an electronically readable means such asa magnetic stripe, an RFID Transponder, a one dimensional (“1D”)barcode, a two-dimensional (“2D”) barcode, text in the form of opticalcharacter recognition characters (“OCR text”), and the like can beemployed to suit the application requirements. The present inventionadvantageously uses such electronically readable means for combinationpurposes in accordance with the present invention. For example, gifttype and prepaid type cards can be pre-finished as they typically onlyrequire encoding of a portion of the provided magnetic stripe,preferably the third track, and/or by way of other electronicallyreadable means. Such cards are ideal for widely distributed, low costapplications.

A single card could serve many different applications, for example, asan identification card, a financial card, a keyless electronic dooropener, a touch and go toll-way payment card and/or others. There are avast diversity of applications that can be serviced from a single cardutilizing technology as is presently already provided onto or within theconstruction of cards today.

Other advantages for a combined card include the ability to use suchcards as a marketing tool. Loyalty cards can be used to drive patrons tomultiple distinct branded locations. Security cards can be used todifferentiate a business as being more secure than others. Incentivecards can be used to increase spending at a particular business orbusinesses. Business identification cards that stay with a user can alsohave monetary value for the card holder. Patron preference cards alsocan be advantageously used for tracking a card holder's purchases andlocations.

In one preferred aspect of the present invention, a combined usetransactional card is provided including electronically readable meansby which a financial transaction can be conducted, the card alsocomprising further electronically readable means that is alsofunctionally part of the transactional card and that is encoded withdata that when read by an electronic data reader for the source ofelectronically readable data services an event that is not associatedwith the financial account.

In preferred methods making cards of the present invention, a combineduse transactional card is made including electronically readable meansby which a financial transaction can be conducted, the card alsocomprising further electronically readable means that is alsofunctionally part of the transactional card the card being made by thesteps of:

encoding financial data by which a financial transaction can beconducted onto the electronically readable means provided to thetransactional card; and

encoding non-financial data in the further electronically readable meansprovided on the transactional card that when read by an electronic datareader for a source of electronically readable data can service an eventthat is not associated with the financial account.

In preferred methods of using a combined use transactional cardincluding electronically readable means by which a financial transactioncan be conducted, the card also comprising further electronicallyreadable means that is also functionally part of the transactional cardand that is encoded with data that when read by an electronic datareader for the source of electronically readable data services an eventthat is not associated with the financial account, the method comprisesthe steps of:

electrically reading the further electronically readable means from thetransaction card and determining the data that services an event notassociated with a financial account; and

triggering a servicing for an event based upon an acceptability of thedata for such specific purpose.

BRIEF DESCRIPTION OF THE DRAWINGS

The present invention will be further explained with reference to theappended Figures, wherein like structure is referred to by like numeralsthroughout the several views, and wherein:

FIG. 1 is a front and back view of a combined financial type card of thepresent invention that includes identification aspects along withmultiple electronically readable card components, any one or more ofwhich can be provided with information and features in accordance withthe present invention;

FIG. 2 is a similar front and back view of a combined financial typecard of the present invention as that shown in FIG. 1 that includesfinancial information and electronically readable features related to amagnetic stripe component;

FIG. 3 is a view of a surface of a transaction card with a magneticstrip illustrating three data tracks as are provided, wherein the firsttwo tracks are coded with financial information and data as may berelevant to conducting a financial transaction, while the third track orservice track is provided as a rewritable data track that can be dividedinto data segments;

FIG. 4 is a front view of a financial type transaction card includingfeatures of the present invention;

FIG. 5 is a back view of the card of FIG. 4 also illustrating featuresof the present invention;

FIG. 6 is a schematic illustration of a transactional combined card ofthe present invention as is usable for electronic reading by RFIDtransponder readers of different types in combination with a magneticstrip for electronic reading;

FIG. 7 is another schematic illustration of a transactional combinedcard of the present invention as is usable for electronic readingmagnetic stripe readers, such as can be utilized for checking things outfrom a library or the like, for example;

FIG. 8 is a schematic illustration of another transactional combinedcard of the present invention as is usable for electronic reading bymagnetic stripe readers as can be provided for unlocking doors or thelike, for examples;

FIG. 9 is a schematic illustration of another transactional combinedcard of the present invention as is usable for electronic reading by OCRreaders, for example as may be utilized for registration for events,classes, or the like; and

FIG. 10 is a schematic illustration of yet another transactionalcombined card of the present invention as is usable for electronicreading by two-dimension bar-code readers of different types as may alsoread and compare biometric information of a user with data stored withinthe two dimensional bar code, which code can include multiple uses forevents in combination with a magnetic strip for electronic reading.

DETAILED DESCRIPTION

Referring now to the Figures, wherein the components are labeled withlike numerals throughout the several Figures, and initially to FIG. 1,one preferred configuration of a combined use transaction card 10 of thepresent invention is illustrated. By combined use, as will be more fullyunderstood from the description of examples below, it is meant that thecard preferably includes financial card aspects and features so that afinancial transaction of any type can be conducted based upon dataelectronically readable from the card 10 along with data that is alsoelectronically readable from some aspect or feature of the card 10 forthe purpose of servicing some event. Event(s) as used in accordance withthe present invention can comprise any transactional activity that isnot associated with the financial account. Examples of financialtransactions in accordance with the present invention along withexamples of many different types of events also in accordance with thepresent invention are described below.

One example of methods and cards of the present invention is a combinedfinancial card 10 with an electronic key security door means. Thefinancial card could have the normal components of credit cards such asthe 16 digit financial account number, the card expiration date, the CVVsecurity number, the magnetic stripe containing the financial accountdata on tracks one and two (as explained in greater detail below), butsuch card can also not have personal information of the card holderdisplayed or encoded to the card. This type financial card is called agift card or a prepaid card, or if money can be reloaded to thefinancial card account, such a card is referred to as a reloadable card.

An electronic key can take any one of several forms with the most commonbeing a card with a magnetic stripe that is provided as a door openercard and a proximity door opener card. Hotels and like commonly use theformer type while business locations and residential access systemsoften use the proximity type card for door entry. Using a magneticstripe card, the card can be passed though a magnetic stripe reader slotthat can be mounted on the door, as shown in FIG. 8, that is operativelyconnected with a door unlocking/opener mechanism or otherwise as areader is provided adjacent to the door unlocking/opener mechanism. Dataencoded on the magnetic stripe can be read by conventionally knownelectronic means and compared to allowed data or acceptable values inorder to determine if the door locking mechanism will be unlocked. Usinga proximity card, the card is passed near a RFID transponder reader thatcan be provided on the door unlocking/opener mechanism or adjacent tothe door unlocking/opener mechanism. Data on a RFID transponder of aproximity card can be read by electronic means and compared to alloweddata or acceptable values in order to determine if the doorunlocking/opening mechanism will be unlocked.

While financial cards of the prior art have had magnetic stripes andoften RFID transponders, both of which could be used to open keylesssecurity doors, both the magnetic stripe and the RFID transponders havebeen encoded with financial account data or the financial account holderidentification number or related financial information.

In accordance with one aspect of the present invention, combined usecards can take advantage of the conventional manner by which magneticstripe cards are made and encoded with financial information. Forexample, according to standard use today, only the first two tracks ofthe magnetic stripe are encoded with financial account data. RFIDtransponders typically have similar data coded therein as is encoded ina magnetic stripe or may just be coded with a control numberrepresenting a financial account holder.

Methods and cards of the present invention would similarly have a firstand second track of the magnetic stripe encoded with financial accountdata. In accordance with the present invention, a third track for datais also provided as can be provided within the magnetic material ofconventional card stripes or such additional data track could be addedintegrally or as a separate component. The third track could be utilizedto encode additional non-financially related data, such as data thatcontains the electronic key security door data. Where a RFID transponderis utilized in a card construction, data is encoded into the transponderwhich data can be read to act as electronic key security door means. Anelectronic key system is but one example in accordance with the presentinvention. The present invention is preferably directed to a combineduse card that includes encoded and electronically readable data tofunction as a financial card, and that also provides a new level ofservice, requiring reading other electronic data, which is not relatedto servicing the financial card or account.

A financial card provided as a combined use card, as described above,that is provided with a three track magnetic stripe including the firsttwo tracks encoded with financial account data and the third trackencoded with other event data. The other event data may alternatively beprovided by a distinct or similar other electronically readable featurethat is functionally part of the combined use card. In any case it ispreferable to provide a combined use card with financial transactionfunctionality along with another event functionality. Any source ofelectronically readable data, that is functionally part of the financialcard, and that is encoded with data, that when read by an electronicdata reader, can service an event that is not associated with thefinancial account.

The third track of a magnetic stripe card can be written by any of theknown technology at the time of coding the first and/or second trackswith financial information, or may be done at a later time, such as atcheck in at a hotel. Conventional data writing devices as are presentlyused can be utilized provided that they are controlled to write to thethird track, for example, specifically.

In the case of combining financial transaction functionality andelectronic key functionality on a combined use card, there are specificadvantages, for example, to a hotel type situation.

A combined financial card and electronic key security door card could beprovided by the hotel to the guest. The card, at a minimum wouldpreferably have the capability of being used as a financial card and ameans to open the guest's room door. While the discussion below islimited to magnetic stripe electronic key security door means, aproximity card or any other suitable electronic key security door meanscould be substituted within the scope of the invention.

Most hotels use an electronic key door opener mechanism to allow theirguests to safely enter their room without a key where the keys typicallyhave the room number on it. In the past some hotels have writtenpersonal information such as name, financial card number, address andthe like in the magnetic stripe of a room key card. Methods and card ofthe present invention can preferably only have a card serial number, thehotel room number and optionally the included days or dates of theguest's stay written to the card. All this data would be encoded intrack 3 of the magnetic stripe of a card as encrypted data. Preferably,no guest personal data would be placed in the magnetic stripe.

The card appearance could be as any other gift or prepaid financial cardmaking it a less likely target for criminals wanting to access a hotelroom with potential threat to the guest. Because the card has storedmonetary value, the guest would be more likely to protect the card asincreasing the care associated with such a card. Such a card could alsobecome the property of the guest and be recycled by the guest at othersimilarly branded hotels by re-encoding track 3 of the magnetic stripe.

Other potential benefits of such a hotel type combined use card could bethat the hotel could place a small monetary value in the card, at everycheck in, to be used as an incentive to purchase goods and services atthe hotel. The hotel could send the card to potential customers,preloaded with small monetary value in the card, incentivizing guests tostay at the hotel. Moreover, the card could serve as a loyalty cardwhere a monetary value would be added to the card based on goods andservices purchased or other hotel loyalty programs. The card could carryhotel branded graphics including marketing collateral and contactinformation. In the case where a card has stored monetary value, it isunlikely that the guest would discard the card. As an additionalpotential, a hotel could provide a card monetary reloading service wherethe hotel would add a percentage to the reload thereby incentivizing theguest to spend even more money at the hotel and provide additionalreasons to stay with the hotel brand.

As another example of the present invention, an employee use card iscontemplated. A combined use financial card and electronic key securitydoor card could be provided by the employer to the employee. The card,at a minimum preferably would have the capability of being used as afinancial card, and would also be usable to access the company securitydoors, which also may be used by the company to record time andattendance. While the discussion below is described with respect toproximity electronic key security door means, any other suitableelectronic key security door means, like a magnetic stripe, OCR, barcodes and the like, could be substituted within the scope of theinvention.

The proximity electronic key would provide a safe entrance to companyfacilities. The proximity electronic key would allow tracking anemployee inside company facilities always assuring the location of theemployee in an emergency. Because the card can have stored monetaryvalue, the employee would be more likely to protect the card. Allinformation in the proximity and displayed as graphics on the card couldbe designed to provide maximum protection for the employee's identity ifthe card is lost and found by a scammer.

Other potential benefits that can be obtained with a combined useemployee card include that an employee could receive their wages,reimbursement funds, bonuses and any other monetary value transferred asdirect deposit into the financial account represented by the employeefinancial card. This method would be potentially safer than checks, cashor other monetary transfer means. Direct deposit, as described above,compared to paper checks would be less costly for the employer. As afinancial card, the employee could get cash from an ATM, pay for goodsand services at merchants, write checks against the financial accountrepresented by the financial card and order goods by phone or online,all using one financial card and account.

Other uses within other industries are contemplated. For example, schoolidentification cards with a financial card purse for lunches andsundries and electronic key security lock means for using computerresources or checking books out of the library. Health Club membershipcards can be provided with a financial card for purchasing food, trainertime and sports gear and electronic key security locker opening means. Abank financial card can be provided with an electronic key security doormeans for a safety deposit box. Over-the-road trucker financial cardscan be provided for traveling expense advances and as an electronic keysecurity gate means to enter a warehouse gate. Wholesale Club financialcards could be used to purchase goods and services from the club and anelectronic key security door means to enter the club door and check intothe club.

While the above industries are just a sampling of the many uses for acombined use card with financial transactional functionality andelectronic key event functionality, there are many more industries thatcould benefit from the invention. The general features and benefits forthis innovative method and cards are that with two different card typemethods, financial card and electronic key security door means combinedinto one card, there is less to carry and a higher potential for thecard holder to protect the card. The combined use card has a greaterutility for the card holder than a single use card.

Many add on services such as paying for school lunch, getting access tocostly resources, protecting property, locating individuals inside acomplex, and the like are often difficult to develop, implement andmanage. A combined use card of the present invention makes developing,implementing and managing these services much less complex. A cardidentification means can be controlled for protecting an individual'sidentity where no personal information is stored on the card such as ahotel room key card to a full identification card where all of the cardholder's demographic data is on the card. The type of financial card canvary such as gift, prepaid, debit and credit to suit the requirements ofthe application. Electronically readable means can comprises any knownor developed technique, such as using a magnetic stripe, RFIDTransponder, 1D barcode, 2D Barcode, OCR text, and the like and suchmeans can be employed to suit the application requirements. Since giftand prepaid cards can be prefinished and only require encoding of themagnetic stripe third track and or another electronically readablemeans, they are ideal for widely distributed, low cost applications. Asingle card could easily serve four or more applications, such asincluding functionality as an identification card, a financial card, akeyless electronic door opener and a touch and go toll-way payment card.Note the vast diversity of the applications that can be serviced from asingle card. A combined use card can also be a strong marketing tool.Loyalty cards can be used for driving patrons to multiple brandedlocations. Security cards can be used to differentiate a business asbeing more secure. Incentive cards can be used to increase spending at abusiness. Business identification cards can be provided that stay withand has value for the individual card holders. Patron preferences cardscan be provided that track the card holder's purchases and locations.

In accordance with a preferred aspect of the present invention, combineduse cards comprises a financial transactional card with at least oneelectronically readable data means that services an event that is notassociated with the financial account.

With reference to the card illustrated in FIG. 1, an identification andfinancial card 10 is illustrated that is a multipurpose card that hastwo different card types. Specifically, a student ID card and afinancial debit card is shown that also includes multiple differentelectronically readable data means that can each service at least oneevent and that together can service any number of multiple events.

As an identification card, the card's primary purpose is to verify andauthenticate a student's identification. For visual verification andauthentication the card graphics have the student's facial image 22,name and demographic data 24 and signature, both electronic and handwritten. Visual security could include the smaller halftone facial imagethat helps prevent switching pictures, the hologram and other overt andcovert means that are aimed at preventing tampering and forgery. As afinancial card, the illustrated card's secondary purpose can be a meansto provide the student a financial card tied to a bank account. Whilethe card shown is a Visa branded open loop card, the scope of theinvention would include closed loop financial cards. This financialaccount would allow the student to purchase goods and services on campusas well as anywhere else in the world. A university could also use thecard account as a means of depositing scholarship awards, refundingtuition or other school funds and other purposes as required. Note thatthe card's magnetic stripe 25, track #1 and track #2 are set up to beused during financial transactions. Financial account and financialaccount holder data read on these tracks, by merchant POS hardware, canbe electronically forwarded to the bank or bank processor to implementand complete the financial transaction.

A plurality of forms of electronically readable data are illustrated andcane be used as means fro servicing many events.

OCR Readable Text 26—For example, a students ID number can be printed inan OCR-B font as shown at 26. This font would be readable using anOptical OCR font reader, as are conventionally known. While a primaryuse can be to electronically locate the student's records in a database(the event), a secondary use could be to identify the student and printa personalized test, for example as an event, to assure the reliabilityof the testing system.

RFID Transponder 28—As another example, a RFID transponder is shown at28, which element is a longer read range device that is read by anantenna emitting RF energy and collecting a return signal from the RFIDtransponder. The returned signal data could allow the student, forexample, to pass through doors where authorized (an event) and betracked throughout the university (an event) using multiple locatingantennas.

Magnetic Stripe Track #3—As another example, a magnetic stripe isillustrated at 25, wherein tracks 1 and 2 of the magnetic stripe arepreferably used for the financial data (as conventionally done) and thethird track is available for a user defined purpose. In the exampleshown, data that can be written to and thus read from the third track 3can be used, for example, for checking books out of the library (anevent). With seventy numerical characters (as is typically provided anddiscussed in more detail below), all of which are rewritable, the thirdtrack 3 could have one segment for the library use with another segmentused as a dynamic purse for small monetary purchases such as purchasesfrom a pop machine (an event).

A two-dimensional bar code 29, such as preferably comprising a VSCode®2D Barcode, which technology is commercially available from VeritecInc., of Golden Valley, Minn. —a two-dimensional bar code, such as theVeritec VSCode® barcode holds up to 2000 bytes of data as shown. Asimple web type camera, such as can be attached to a computer can readsuch a VSCode® barcode. In this example the VSCode® barcode could haveall the data printed on the card, all the fixed data in theelectronically readable data sources, a facial image of the card holder,multiple fingerprint minutia for the card holder, other application datafor purposes such as health care or scholarship administration, otherapplication data to drive events and data for other universityrequirements. It is contemplated that with such data ability of thesebarcode, many other possibilities can be developed with respect to allof the possible events the VSCode® barcode alone could drive.

A financial card 20 with magnetic stripe 25 is also illustrated in FIG.2 as a simple application of the present invention.

The financial card 20 could be a gift card that that is non reloadableor a prepaid card that can be reloaded with additional funds. Note thatin this example a customer's name is not on the card nor does anyinformation about the customer appear on the card and the same can betrue for the magnetic stripe. This card can be printed and the magneticstripe encoded in large volumes at a very small cost. As above,preferably tracks 1 and 2 of the magnetic stripe are used for thefinancial data, while the track 3 is available for a user definedpurpose.

Magnetic Stripe Track #3—In this example as shown, data written to andthat car be read from track 3 is preferably used for an event likeunlocking a guest room door in a hotel. With seventy numericalcharacters, all of which are rewritable, track 3 could have one segmentfor unlocking the door with another segment used as a dynamic purse forsmall monetary purchases such as purchases from a pop machine (anevent).

While multiple different methods have been described for placingelectronically readable data on a transactional card including amagnetic stripe, a VSCode® 2D barcode, OCR readable text, and a RFIDtransponder, the following discussion is directed to the use of magneticstripes as are commonly available as an electronically readable datasource provided on most every financial card.

Magnetic Stripe—A magnetic stripe card is a type of card capable ofstoring data by modifying the magnetism of tiny iron-based magneticparticles on a band of magnetic material on the card. The magneticstripe, sometimes called swipe card or magstripe, is read by physicalcontact and swiping past a magnetic reading head. A number ofInternational Organization for Standardization standards, ISO/IEC 7810,ISO/IEC 7811, ISO/IEC 7812, ISO/IEC 7813, ISO 8583, and ISO/IEC 4909,define the physical properties of the card, including size, flexibility,location of the magstripe, magnetic characteristics, and data formats.The magnetic stripe is typically located 0.223 inches (5.56 mm) from theedge of the card, and is 0.375 inches (9.52 mm) wide. The magneticstripe usually contains three tracks, each 0.110 inches (2.79 mm) wide.Tracks one and three are typically recorded at 210 bits per inch (8.27bits per mm), while track two typically has a recording density of 75bits per inch (2.95 bits per mm). Each track can either contain 7-bitalphanumeric characters, or 5-bit numeric characters. There are up tothree tracks on magnetic cards known as tracks 1, 2, and 3. Track 3 isvirtually unused by the major worldwide networks such as Visa, and oftenisn't even physically present on the card by virtue of a narrowermagnetic stripe. Point-of-sale card readers almost always read track 1,or track 2, in case one track is unreadable.

Track 1, Format B:

Start sentinel—one character (generally ‘%’)

Format code=“B”—one character (alpha only)

Primary account number (PAN) —up to 19 characters. Usually, but notalways, matches the credit card number printed on the front of the card.

Field Separator—one character (generally ‘{circumflex over ( )}’)

Name—two to 26 characters

Field Separator—one character (generally ‘{circumflex over ( )}’)

Expiration date—four characters in the form YYMM.

Service code—three characters

Discretionary data—may include Pin Verification Key Indicator (PVKI, 1character), PIN Verification Value (PVV, 4 characters), CardVerification Value or Card Verification Code (CVV or CVK, 3 characters)

End sentinel—one character (generally ‘?’)

Longitudinal redundancy check (LRC)

Track 2: This format was developed by the banking industry (ABA). Thistrack is written with a 5-bit scheme (4 data bits+1 parity), whichallows for sixteen possible characters, which are the numbers 0-9, plusthe six characters : ; < = > ?. The data format is as follows:Start sentinel—one character (generally ‘;’)Primary account number (PAN) —up to 19 characters. Usually, but notalways, matches the credit card number printed on the front of the card.Separator—one char (generally ‘=’)Expiration date—four characters in the form YYMM.Service code—three digits. The first digit specifies the interchangerules, the second specifies authorization processing and the thirdspecifies the range of servicesDiscretionary data—as in track oneEnd sentinel—one character (generally ‘?’)Longitudinal redundancy check (LRC) —it is one character and a validitycharacter calculated from other data on the track. Most reader devicesdo not return this value when the card is swiped to the presentationlayer, and use it only to verify the input internally to the reader.Track 3: Track 3 can be encoded with at 210 bits per inch equaling 107digits of the numbers 0-9, plus the six characters : ; < = > ?. To usetrack 3 as a key card in accordance with the present invention, such asfor unlocking a hotel room door, track 3 could be encoded with theguest's reservation number (a sequential # assigned to everyreservation), room number, checkin date/time, number of nights for thestay or the checkout date/time, and sometimes the guest name (usuallyjust the last) using the device that encodes keycards. The data could beencrypted to ensure that a common card reader could not be used to readthe data and forge additional key cards to break into the hotel rooms.

While the above discloses a method of using the magnetic stripe as partof a method to service the event of unlocking a hotel room door, manysimilar applications (event drivers) are also contemplated that arewithin the scope of this invention.

In FIGS. 4 and 5, an example of a financial card is further illustrated.In particular, a plastic transactional card 30, with card typesincluding credit, debit, prepaid and gift cards, as such cards can beused by an individual to conduct financial transactions tied to afinancial account, that is issued by a bank. Such cards 30 may containtextual data 32 including the individual's name, the 16 digit financialaccount number, the expiration date of the financial card, a 3 digitsecurity code called the CVV and a magnetic stripe 34 with preferably atleast the same data that can be electronically read. The card willlikely have graphics that depict information about the card issuer, thecard sponsor such as Visa, legal information for the issuing bank, asignature panel for debit and credit cards and logo's, called bugs, forATMs or businesses that accept the card. The 16 digit financial cardaccount number and the expiration data are enough data to conduct mostfinancial transactions serviced by the card type. Credit and debit cardswill have the card holder's name while prepaid and gift cards willlikely be anonymous.

In accordance with the present invention, events that are not associatedwith a financial transaction have been described above. Examples of suchevents are illustrated within FIGS. 6-10, which events can be enactedand/or controlled by the features of electronically readable data on afinancial card in accordance with the present invention.

As illustrated in FIG. 6, a RFID transponder 28 can have encoded, in thedevice's integrated circuit, identification data pertaining to the cardholder. Additional data such as authorization for entrance, classschedule for testing, or any other data that services the card holder'sactivities. An RFID transponder 28 most often has a manufacturing uniquecode, embedded in the integrated circuit that is added to an encryptionscheme so that the same data cannot be encoded in a different RFIDtransponder. Check digits, if data capacity is available, can helpassure an accurate read. The variable data in the RFID transponder canbe rewritten many times which allows data to be changed frequently ifrequired. A RFID transponder 28 can be read typically at up to 6 metersof distance and with 2000 other RFID transponders at the same time.

As illustrated in FIGS. 7 and 8, magnetic stripe track 3 usages areillustrated as such have been discussed above. A magnetic stripe 25 thatis provided on a financial card, would preferably have a magneticfingerprint that can be used for authentication. All data can beencrypted and rewritten as required. Data can have check digits toassure accurate reads and there is some possibility of redundant data. Amagnetic stripe 25 requires a contact reader which negates anynon-contact, reading distance. A reader 40, for use in a library checkout situation is shown in FIG. 7. Readers 42, 44, and 46 are illustratedin FIG. 8 as examples that can be used for door entry control.

As shown in FIG. 9, OCR Text is visually and electronically readable. Bythe consequence of being readable text, there is very little securitybut check digits do reasonably assure that the electronically read datais accurate. OCR text readers use an optical method of acquiring animage of the area containing the OCR text and load that image to acomputer. Computer software algorithms determine if readable text is inthe field of view, locate the text and decode the found text outputtingcharacters in the predetermined ASCII set. While optically the OCR Textcan be read at short distances, most often the card, with the text, isin a controlled environment such that the OCR text is in a knownlocation. A conventional reader 48 is illustrated as applicable tomethods of the present invention.

FIG. 10 illustrates the use of a two-dimensional bar code such as theVeritec VSCode® barcode that has typically 1500 bytes of user binarydata. This data can be encrypted in sections as well as being randomizedin the code structure. Reed-Solomon block techniques are used for errorcorrection. Normal uses for the code include biometric identificationmeans, demographic data for the card holder, data to drive events andservice applications and issuer required information. While opticallythe VSCode® barcode can be read at short distances, like the OCR text,most often the card, with the code, is in a controlled environment suchthat the code is in a known location. In FIG. 10, a fingerprint scanner50 is shown as can be used with a code reader 52 to verify biometricinformation and code usage.

The present invention has now been described with reference to severalembodiments thereof. The entire disclosure of any patent or patentapplication identified herein is hereby incorporated by reference. Theforegoing detailed description and examples have been given for clarityof understanding only. No unnecessary limitations are to be understoodtherefrom. It will be apparent to those skilled in the art that manychanges can be made in the embodiments described without departing fromthe scope of the invention. Thus, the scope of the present inventionshould not be limited to the structures described herein, but only bythe structures described by the language of the claims and theequivalents of those structures.

The invention claimed is:
 1. A combined use financial transactional cardincluding first electronically readable means that is encoded withfinancial account data by which a financial transaction is to beconducted from a financial account along with graphics on a face of thecard that depict information about at least one of a card issuer, a cardsponsor, and an issuing bank, and a second electronically readable meansof the transactional card that is encoded with access ability data thatcomprises at least one of cardholder identification or biometric data,demographic data of a cardholder, data associated with an event otherthan a membership number, data associated with a service other than amembership number, or other issuer, card sponsor or issuing bank data,and that when read by an electronic data reader for the source ofelectronically readable data services an access ability for a card user,which access can be obtained based upon the access ability data withoututilizing the financial account data or based upon data of any financialtransaction.
 2. The combined use transactional card of claim 1, whereinthe first and second electronically readable means are functionally partof the transaction card comprises a magnetic stripe.
 3. The combined usetransactional card of claim 1, wherein the first and secondelectronically readable means that are functionally part of thetransaction card comprises an RFID transponder as a source ofelectronically readable data that services the access that is notassociated with the financial account.
 4. The combined use transactionalcard of claim 1, wherein the first and second electronically readablemeans that are functionally part of the transaction card comprisesoptical character recognition text.
 5. The combined use transactionalcard of claim 1, wherein the first and second electronically readablemeans that are functionally part of the transaction card comprises atwo-dimensional barcode.
 6. The combined use transactional card of claim1, wherein at least one of the first and second electronically readablemeans comprises an image or text that is read by an imaging device toread or decode the respective data of that electronically readablemeans.
 7. The combined use transactional card of claim 2, wherein themagnetic stripe comprises plural distinct data tracks with at least onetrack that contains the financial account data and at least a segment ofanother track that provides for the source of electronically readabledata that services the access ability that is not associated with thefinancial account.
 8. The combined use transactional card of claim 7,wherein two tracks are utilized for financial transaction purposes, andat least a segment of a third track is used as the source of data forservicing the access ability not associated with the financial account.9. The combined use transactional card of claim 6, wherein the accessability data is encoded as a bar code on a surface of the card as thesecond electronically readable means.
 10. A method of making a combineduse financial transactional card including graphics on a face of thecard that depict information about at least one of a card issuer, a cardsponsor, and an issuing bank, the card also comprising a firstelectronically readable means by which a financial transaction is to beconducted, and a second electronically readable means that is alsofunctionally part of the transactional card, the method comprising thesteps of: encoding financial data by which a financial transaction is tobe conducted onto the first electronically readable means provided tothe transactional card; and encoding access ability data in the secondelectronically readable means provided on the transactional card,wherein the access ability data comprises at least one of cardholderidentification or biometric data, demographic data of a cardholder, dataassociated with an event other than a membership number, data associatedwith a service other than a membership number, or other issuer, cardsponsor or issuing bank data, so that when the second electronicallyreadable means is read by an electronic data reader for a source ofelectronically readable data services an access ability for a card user,which access can be obtained based upon the access ability data withoututilizing the financial account data or based upon data of any financialtransaction.
 11. The method off claim 10, wherein the step of encodingaccess ability data comprises writing data to at least a separate tracksegment of a magnetic stripe as provided to the transactional card,which stripe also includes at least one track for receiving data duringthe step of encoding financial account data.
 12. The method off claim10, wherein the step of encoding access ability data comprises encodingdata to an RFID element as provided as part of the transactional cardconstruction, which RFID element also provides data storage forreceiving data during the step of encoding financial account data. 13.The method of claim 10, wherein the step of encoding access ability datacomprises providing data to the transactional card in the form ofoptical character recognition text provided as part of the transactionalcard construction.
 14. The method of claim 10, wherein the step ofencoding access ability data comprises encoding data to two-dimensionalbarcode as provided on the transactional card.
 15. The method of claim10, wherein at least one of the steps of encoding data onto the firstelectronically readable means and the second electronically readablemeans comprises producing an image or text to a surface of the card. 16.The method of claim 15, wherein the access ability data is encoded as abar code on a surface of the card as the second electronically readablemeans.
 17. A method of using a combined use financial transactional cardincluding graphics on a face of the card that depict information aboutat least one of a card issuer, a card sponsor, and an issuing bank, thecard also comprising a first electronically readable means that isencoded with financial account data by which a financial transaction canbe conducted, and a second electronically readable means that is alsofunctionally part of the transactional card and that is encoded withaccess ability data that comprises at least one of cardholderidentification or biometric data, demographic data of a cardholder, dataassociated with an event other than a membership number, data associatedwith a service other than a membership number, or other issuer, cardsponsor or issuing bank data, and that when read by an electronic datareader for the source of electronically readable data services an accessability for a card user, which access can be obtained based upon theaccess ability data without utilizing the financial account data orbased upon data of any financial transaction, the method comprising thesteps of: electronically reading the second electronically readablemeans from the transaction card and determining the access ability datathat services an access ability not utilizing the financial account dataor based on data of any financial transaction; and triggering an accessability for a card user that is not utilizing the financial account dataor based on data of any financial transaction but is based upon anacceptability of the access ability data for such access ability. 18.The method of claim 17, wherein the step of electronically reading thesecond electronically readable means comprises reading or capturing animage of an image or text as provided on the surface of the card as thesecond electronically readable means.
 19. The method of claim 18,wherein the step of electronically reading the second electronicallyreadable means comprises reading the access ability data as such isencoded as a bar code on a surface of the card as the secondelectronically readable means.